Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $133Fees | 0.529%Below | 180 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,703Fees | 0.033%Below | 682 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,455Fees | 0.192%Below | 212 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,179Fees | 0.291%Below | 208 | |
5 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,716Fees | 0.003%Below | 161 | |
6 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,620Fees | 0.058%Above | 49 | |
7 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $771Fees | 0.771%Below | 43 | |
8 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,257Fees | 0.181%Above | 400 | |
9 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,145Fees | 0.016%Above | 386 | |
10 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,504Fees | 0.091%Above | 287 | |
11 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,642Fees | 0.031%Above | 190 | |
12 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,050Fees | 0.060%Above | 133 | |
13 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,513Fees | 0.037%Above | 109 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,486Fees | 0.250%Below | 88 | |
15 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $3,650Fees | 0.054%Below | 81 | |
16 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,253Fees | 0.066%Above | 48 | |
17 | First Federal Bank, A FSBBank | Exceptional | Strong | Exceptional | Strong | Sound | $4,073Fees | 0.008%Above | 30 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,258Fees | 0.300%Above | 585 | |
19 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,544Fees | 0.148%Below | 304 | |
20 | Regions BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,529Fees | 0.202%Above | 194 | |
21 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,664Fees | 0.077%Above | 90 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,097Fees | 0.245%Above | 78 | |
23 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,678Fees | 0.192%Above | 72 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,446Fees | 0.216%Above | 53 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,804Fees | 0.094%Below | 24 | |
26 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,226Fees | 0.266%Above | 22 | |
27 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,094Fees | 0.162%Above | 272 | |
28 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,416Fees | 0.116%Above | 208 | |
29 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,823Fees | 0.055%Above | 94 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,197Fees | 0.319%Above | 69 | |
31 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,091Fees | 0.269%Above | 68 | |
32 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,336Fees | 0.218%Above | 66 | |
33 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $598Fees | 0.146%Above | 38 | |
34 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,553Fees | 0.208%Above | 23 | |
35 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $857Fees | 0.630%Above | 23 | |
36 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,192Fees | 0.080%Above | 21 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,596Fees | 0.175%Above | 152 | |
38 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,582Fees | 0.252%Above | 76 | |
39 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,395Fees | 0.142%Above | 38 | |
40 | United Community BankBank | Strong | Sound | Strong | Strong | Sound | $1,602Fees | 0.302%Above | 28 | |
41 | Hamilton Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,250Fees | 0.179%Above | 62 | |
42 | VICTORIAN FINANCE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,620Fees | 0.582%Above | 48 | |
43 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,097Fees | 0.108%Above | 47 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,664Fees | 0.247%Above | 41 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,917Fees | 0.243%Above | 36 | |
46 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,877Fees | 0.111%Below | 25 | |
47 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,077Fees | 0.156%Above | 24 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,721Fees | 0.480%Above | 80 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,355Fees | 0.220%Above | 25 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,678Fees | 0.190%Above | 21 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.